Amount
20,000 AUD to CNY
- Period high
- 4.9361
- 2026-05-07
- Period low
- 4.5773
- 2025-11-24
- Average
- 4.7628
- Daily volatility
- 0.42%
Sending 20,000 AUD: what each method costs
The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.
USDT on-chain
- Recipient gets
- 93,194.55 CNY
- Lost vs mid-market
- −147.5
- Total cost
- 0.16%
Wise
- Recipient gets
- 92,910.76 CNY
- Lost vs mid-market
- −431.29
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 90,825.7 CNY
- Lost vs mid-market
- −2,516.34
- Total cost
- 2.70%
PayPal
- Recipient gets
- 88,730.95 CNY
- Lost vs mid-market
- −4,611.1
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 93,194.55 CNY | −147.5 | 0.16% |
| Wise | 92,910.76 CNY | −431.29 | 0.46% |
| Bank wire (SWIFT) | 90,825.7 CNY | −2,516.34 | 2.70% |
| PayPal | 88,730.95 CNY | −4,611.1 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 4,464 CNY on this transfer.
WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.
Run team payouts with approvals